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The tattoo removal industry serves a vital need for a community, but owners should be aware of their responsibilities before even getting started. There are plenty of risks that an employee has to take when using the lasers, and you are almost guaranteed to come up against a customer with unreasonable expectations when it comes to getting a tattoo removed. Tattoo removal liability insurance can help you safeguard your business from all that may lie ahead when it comes to claims and potentially even lawsuits against your company. See why you may need more liability insurance than you think. What Does It Protect? General liability is there to protect against some of the most common problems associated with a business. For example, if a client trips and falls on their way into the clinic, then there will be a way to cover those injuries after the client receives their bill. You can also set up your general liability policy to cover any damage to the property of the building or to the equipment located within. If you lose any type of valuable records, you'll also have a way to cover this as well. In addition to basic premises liability, tattoo removal clinics may benefit from insurance options that include property coverage for high-value laser equipment, participant accident coverage in case of treatment-related injuries, and even commercial liability extensions that address professional errors or omissions. Finally, you can talk to your insurance carrier about some of the more specific things in your business that you want to protect. For example, if you have a particularly expensive piece of equipment, you can provide for your most valuable machinery specifically in a rider in the insurance policy. Insurance policies are customizable based on the state of your business. The more things that need to be covered, the more expensive that policy will be. However, the more precautions you take, the less likely you are to wind up with a bill that needs to be paid out of pocket. Few businesses can survive major medical bills or expensive equipment replacements. For a deeper look into equipment-specific protection, consider reviewing options like Tattoo Equipment and Supplies Insurance to ensure your investment is adequately safeguarded. Mistakes and More As you likely already know, the tattoo removal business is a relatively straight-forward process. Most people can get it done and then forget that the tattoo was ever there. Rarely will the person suffer from burn marks or scarring, which just makes an owner's life that much easier. However, that doesn't mean that an owner can count on absolutely nothing happening when a patient is in the chair. What happens if a laser is accidentally misdirected, and it burns a purse or the jacket of a client? You're certainly going to be held liable for this mistake. What if the jacket or purse that was burned was a designer label that costs $1,000 to buy brand new? If you're not interested in paying for these things out of pocket, then it's likely smart to get better tattoo removal liability insurance. Situations like these fall under operational hazards, and having the right policy in place helps mitigate those exposures. For broader protection options tailored to this field, you might explore policies such as Tattoo Removal Liability Insurance to understand how coverage can be customized for your needs. The State of Your Business Thankfully, tattoo removal businesses don't have a lot to worry about when it comes to what can go wrong. Almost everyone walks away tattoo free. However, it's still extremely important to hire employees who care about their jobs and understand how to use the equipment. The more care you put into hiring, the less likely it is that a laser will be misdirected, or that a stray bit of water will go unnoticed on the floor. When the winter months start rolling in or the rain starts up, your employees should always know to take extra precautions for the clients coming in. Still, it helps to have tattoo removal liability insurance as a backup for everything you don't see coming. It's necessary to let a business owner truly sleep at night about the state of their affairs. For clinics that also offer pigment fading or chemical-based methods, Saline and Acid-Based Pigment Removal Insurance can provide tailored protection. Frequently Asked Questions What types of incidents does tattoo removal liability insurance cover?It typically covers bodily injury, property damage, equipment losses, and certain business interruptions related to the tattoo removal service. Is professional liability included in general tattoo removal insurance?Not always. Professional liability (also known as errors and omissions) may require a separate policy or endorsement depending on your carrier. Can this insurance cover damage to a client’s personal items?Yes, if a client’s property is damaged during a session—such as from misdirected laser contact—it may be covered under your liability policy. Do I need coverage if I’m a solo operator without employees?Yes. Even solo practitioners face liability exposures and equipment risks that insurance can help manage. How can I customize my tattoo removal insurance policy?You can discuss with an agent to add riders for specific equipment, adjust coverage limits, or include additional insureds. Still have questions? Talk to a local insurance expert.

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Animal Services Insurance from Cochrane & Company is a specialty insurance program designed for businesses involved in pet and animal-related operations. As a Managing General Agency (MGA) with access to a variety of carriers, Cochrane & Company offers flexible, non-admitted solutions tailored to the unique exposures that come with working with animals. If your clients operate in the pet care industry, this program can help you place coverage that addresses both general and niche risks. Ideal Accounts and Appetite Household pet-focused businesses Animal shelters and rescue organizations Boarding and breeding kennels Pet stores and retail operations Pet grooming and training services Other pet-related service providers This program is best suited for businesses that primarily serve domestic pets. If you have clients operating facilities such as a multi-unit grooming center or a regional animal shelter, this coverage is built to support their risk profile. Coverage Highlights and Advantages Backed by a carrier rated A+ XV by A.M. Best, Cochrane & Company's Animal Services Insurance provides comprehensive protection, including: Primary General Liability: Limits up to $3,000,000 Occurrence/Aggregate Excess/Umbrella: Limits available up to $25,000,000 Hired and Non-Owned Auto Liability Medical Payments: $5,000 per occurrence Property Damage Extension: Care, Custody, and Control coverage with $500 Occurrence/$1,000 Aggregate (higher limits available) Property Coverages: Building and Business Personal Property Business Income Basic, Broad, or Special Form options Replacement Cost or Actual Cash Value Equipment Breakdown and Inland Marine Computer Equipment, Accounts Receivable, Valuable Papers Outside Signs Care, Custody, and Control extended property coverage Crime Coverages: Theft of Money and Securities inside the premises Robbery or Safe Burglary of Other Property Coverage for incidents outside the premises Underwriting Notes and Minimum Premiums Minimum premium varies based on account size, operations, and selected coverage limits. Cochrane & Company’s underwriters are experienced in animal service risks and are available to guide agents through submissions efficiently. Higher-risk or unique operations may be considered on a case-by-case basis. Territories and Availability This program is available in the following states: Alaska, California, Idaho, Montana, Nevada, New Mexico, North Dakota, Oregon, Washington, and Wyoming. The program is written on a non-admitted basis across all available states, offering the flexibility to address specialized risks. Why Work With Cochrane & Company? Cochrane & Company brings deep expertise in niche and hard-to-place risks, with a strong focus on delivering responsive service and customized insurance solutions. Their Animal Services Insurance program is supported by top-rated carriers and designed to give agents the tools they need to protect clients in the pet industry effectively. Whether you're placing a small grooming shop or a larger kenneling operation, Cochrane & Company offers the flexibility and underwriting knowledge to help you succeed. For more information on Animal Services Insurance, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for pet-focused businesses such as kennels, shelters, grooming shops, pet stores, and trainers that primarily handle household pets. Is this program admitted or non-admitted?The Animal Services Insurance program is written on a non-admitted basis in all available states. Which states is this program available in?The program is available in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Are higher limits available for Care, Custody, and Control coverage?Yes, higher limits for Care, Custody, and Control are available upon request, subject to underwriting approval. What is the minimum premium for this program?Minimum premiums vary depending on the size and scope of the business, as well as the coverage selected. Need help placing an account? Connect with a market specialist.